When job hunting, how should I handle problems with references, credit or a criminal background?

A: You may want to wait for the proper time to address any negative issues with your background (credit history, criminal record, education, references and problems on the job, etc.). However you need to address them prior to the employer finding out on his or her own. The best approach is to bring these matters to their attention directly acknowledging any wrongdoings, and hope that your honesty, integrity and explanation will override their concerns and turn it into a non issue.